Even if you are counting just from the beginning of 2019, which includes a huge decline of stock prices due to the Corona virus, a person would have been better far off not paying down their mortgage and instead be invested in S&P500. 

This virus does not discriminate.

One of my tenants in TX came in to pay her April rent (she was furloughed from her job due to the virus) and said to the PM that she would come in Friday to pay for May's rent. 

Landlords are supposed to pay all expenses for the property, including property taxes, mind you (ahhh...the irony), while tenants live for free even if they have not been financially affected by the virus at all (which the vast majority still have not).  

We keep hearing that NY’ers will be moving up this way following the fallout of the virus but I don’t buy it.

You expect a V-shaped recovery, you might as well expect Copeland's going to blow away the virus with the breath of God. 

In those 5 years, I have had exactly ZERO viruses, and I do not run anti-virus software and never have. 

In my opinion hustle culture is a virus and is so obnoxious to the point that I'd actually say I resent it.

Obviously more densely-populated urban centers have been more affected than other places by the virus.

They seem to operate a bit like the stock market... they can get spooked by world events and need time to settle back into certain products that to us seem "normal".I went to another bank we use and where they hold one of our mortgages and they said, "We have the product, we just aren't writing it right now"... which leads me to believe it's a pretty standard pullback given the concerns over how the corona virus will impact any particular market segment.